How To Manage Cash Flow When You’re In Between Payments

Get Paid Earlier

This may sound obvious to some, but you can actually get paid earlier depending on the payment processing system you use. Send invoices on-time. Make sure your payment system accepts all types of credit cards and keep transaction costs low so clients and customers can pay you quickly and easily.

If you accept checks, consider using a lockbox service through your local post office. Many post office boxes are serviced by banks so your payments can be processed by banks quickly. Or, you can always opt to receive payments via direct deposit or wire transfer so long as you have confirmed the person you’re working with is legitimate.

Space Out Invoices

If you only invoice clients once a month, consider sending 2 invoices per month or sending a payment request weekly. You would simply be dividing up your monthly payment. However, this can help you with budgeting and cash flow.

If you have multiple clients, you can split your invoices up and choose different days to get paid. Just let clients know in advance so a mutual agreement can be made.


Being able to successfully manage cash flow when you’re in between payments is not fun. However, it can be avoided by making some simple changes to your budget and payment schedule. In a worst case scenario, you can rely on your emergency reserves or a 0% credit card that you pay off as soon as you receive your payments.

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